Monarch Hills Condo Loans
Monarch Hills offers a relaxed coastal lifestyle in one of Dana Point’s most desirable areas. Set within the gated Ritz Pointe community, residents enjoy beautifully landscaped surroundings, resort-style amenities, and easy access to outdoor recreation while living just minutes from the Pacific Ocean. The combination of a private residential setting, nearby beaches, walking trails, and the laid-back atmosphere of Monarch Beach makes Monarch Hills especially appealing to buyers looking to enjoy the Southern California coastal lifestyle.
Monarch Hills is also considered a non-warrantable condo project, which can limit financing with many traditional lenders. At Pizarro Mortgage, we specialize in non-warrantable condo financing and help buyers navigate both the financing process and purchase strategy when buying in the building.
About Monarch Hills
58 Corniche Drive
Dana Point, CA 92629
Located within Ritz Pointe in the Monarch Beach area of Dana Point, Monarch Hills places residents close to many of South Orange County’s best-known coastal destinations. Salt Creek Beach, Monarch Beach Golf Links, Waldorf Astoria Monarch Beach, and The Ritz-Carlton, Laguna Niguel are all nearby, while Dana Point Harbor offers additional dining, shopping, boating, and waterfront recreation just a short drive away. The community also provides convenient access to Pacific Coast Highway for reaching neighboring Laguna Beach and other coastal communities.
Monarch Hills consists of 325 condominiums developed in 1988–1989, with one- and two-bedroom floor plans arranged throughout low-rise residential buildings surrounded by landscaped grounds. Community amenities include swimming pools, spas, a clubhouse, fitness facilities, barbecue and picnic areas, and walking and hiking trails. Its location within Ritz Pointe also provides residents with controlled access and the guard-gated environment of the surrounding community.
Price: $600K – $925K
HOA Dues: $600 – $700/mo
Monarch Hills Amenities
Pool & Spa
Resort-style pool
& spa
Clubhouse
Social gathering place for residents
Fitness Center
On-site gym & wellness facilities
Beach Access
Less than 1.5 miles to the sand
Dining & Shops
Restaurant & shops nearby
24 HR Guard
24 HR guard gated community
Monarch Hills Condos for Sale & Financing
Browse the latest Monarch Hills condos for sale in Dana Point. Listings update automatically, making it easy to explore available condos, compare prices, and learn about financing options before scheduling a showing.
Monarch Hills Loan Options
For buyers purchasing in Monarch Hills, specialized non-warrantable condo financing may provide more flexible options than traditional condo loans.
Condo Purchase
Primary, second home & investment condo loans
Condo Refinance
Rate & term and cash-out refinance solutions
Condo HELOC
Access condo equity without refinancing
Alternative Loans
Bank statement, asset-based & DSCR financing
Non-Warrantable Condo Financing Features
Specialized financing for Monarch Hills, including options that many traditional lenders don't offer.
15% Down Available
Loan Amounts Up to $5M
Bank Statement Programs
Repair Issues Accepted
Litigation Accepted
Budget Issues Accepted
Primary Residence
Second Home
Investment Property
How We Help Monarch Hills Buyers
Pre-Approval Review
Review credit, income, and assets so you can shop confidently.
Condo Project Review
Review HOA, litigation, budget, reserves and condo project eligibility.
Offer Strategy
Help structure a competitive offer with financing in mind.
Financing + Guidance
One point of contact for financing and purchase guidance.
Frequently Asked Questions
Yes. Monarch Hills is generally considered a non-warrantable condo project, which may limit financing with some traditional lenders.
Yes. Financing options may still be available depending on the condo project review, borrower profile, and loan program.
Monarch Hills offers one- and two-bedroom condos. Pricing varies based on floor plan, square footage, views/location, upgrades, and current market conditions. Browse the live Monarch Hills condo listings above to see the latest condos available and current asking prices.
Down payment requirements vary depending on the financing program and borrower profile.
Yes. Investment financing options may be available depending on the loan program and condo project review.
In some cases, yes. Condo HELOC options may be available depending on borrower profile and project eligibility.
Yes. Because Pizarro Mortgage is also a real estate brokerage, we can help guide buyers through both financing and the purchase process.
Working with a lender familiar with non-warrantable condos and condo project financing may help avoid surprises during escrow.
Ready to buy at Monarch Hills?
Whether you're purchasing your first condo, a second home, or an investment property, we'll help you understand your financing options before you make an offer.
